Assisted reproduction in health insurance

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Statistics show that many couples wanting to have children fail to carry out that great life project because of the fertility problems of one of the parents, or even both. Something more and more frequent due to numerous factors, such as lifestyle, increasing contamination, physical or emotional reasons such as stress and anxiety, or the increasingly late age to decide to face parenthood. A complicated situation that fortunately does not have to be irreversible since medicine makes available the Assisted reproduction , which helps to fulfill the dream of thousands of couples to have a child.

What is assisted reproduction?

Basically it is all that technique developed by science (medicine, biology) and technology that serves to facilitate the natural process of fertilization and even replace it, helping the woman’s egg to be fertilized. In other words, its main objective is to help couples to get pregnant through different fertility treatments .

Assisted reproductive techniques

The main – most common – ways that science makes available to couples with problems having children are two. One is artificial insemination, an assisted reproduction method that consists of the implantation of sperm in the woman by means of specialized instruments to achieve pregnancy.

The other most common process is in vitro fertilization, a technique that is performed outside the mother’s body after the extraction of one or more oocytes from the ovaries, in order for them to be fertilized by sperm in a liquid medium.

Is it covered by health insurance?

Once the board is placed and the cards are placed, we are going to answer the question that we have just formulated and that will especially interest those couples who pretend to be parents and do not succeed: Do insurers cover the performance of this type of techniques in their medical products? ? Can they take care of covering assisted reproduction?

The answer is clear: there are medical insurances that include assisted reproduction among their coverage, covering not only both techniques but other technical procedures necessary to carry them out, such as gynecology consultations, diagnostic tests and ovulation stimulation. In the case of artificial insemination, other processes may be included, such as preparing semen or obtaining sperm from a donor, while in vitro fertilization operations such as ovarian puncture, culture and embryo transfer would be integrated, intracytoplasmic injections and testicular biopsies to obtain sperm, as well as the costs of freezing and maintaining embryos.

As they are high-cost techniques, the insurer usually opts in Health insurance for the medical expenses reimbursement procedure to take care of the expenses, always with previously determined economic maximums, and to set a limit for both the complete transfer cycles of in vitro fertilization as for artificial insemination attempts. In addition, before the insurance company makes its extensive medical picture available to its clients, it will demand that they meet certain conditions, in addition to requesting the corresponding reports that certify their sterility.

It is an economically expensive process that requires patience and work, but the joy of having a child is priceless and will surely compensate for the effort made. If you have problems conceiving, it is important to know that health insurance can help, and a lot, to bring a new sprout to the world.

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